HDFC SIP plans from one of the top fund houses in India that offer a range of sip plans like equity, hybrid, and debt sip plans to cater to all different investment needs of all the investors. HDFC securities help the investors to diversify their investment by starting investing in SIP mutual funds. The investors can also refer to MF SIP reckoners to select the best fund for investment.Read more
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The Systematic investment plans offered by HDFC are not only flexible but can also be availed easily. Thus, it is one of the best choices for those investors who want to create wealth through investments in the mutual fund. According to the existing rule, one can choose to invest through HDFC SIP for the term period of his/her choice and can start with any amount subject to the minimum requirement of process of systematic investment plan according.
HDFC SIP works similarly as any other SIP plans, wherein the investors have to invest a fixed amount at HDFC mutual fund scheme at a particular interval of time. According to one’s own choice, the investor can decrease or increase the term period of SIP depending on the scheme they are investing in. The minimum investment limit in HDFC SIP mutual fund is Rs.500. In order to start the investment in HDFC mutual fund SIP all one need to do is to set up ECS mandate or submit the postpaid cheque at fund/distributor fund house representative office.
There is a wide range of mutual funds schemes offered by HDFC Mutual Fund AMC that provides high returns to the investors whether one invests through the method of lump-sum payment or through the process of SIP. Here are the best equity funds offered y HDFC Mutual Fund AMC in which the investors can invest through the process of systematic investment plan according to create wealth and gain long-term investment return.
For the better understanding of our customers here we have taken a tabular comparison of the below mentioned HDFC SIP funds across different criteria.
In order to provide a proper illustration, each HDFC SIP investment amount is taken as Rs.5000 per month which is equal to a total of Rs.60,000 yearly. The starting date of SIP for the purpose of computation is fixed as 1st April 2016 and the end date is fixed as March 2036.
|Fund Name||3 Years Returns||5 Years Returns||7 Years Returns||Total SIP Investment (Annually)||SIP Maturity Value (20 Years)|
|HDFC Opportunities Fund||5.42%||11.54%||13.74%||Rs.60,000||Rs.27.4 Lakhs|
|HDFC Blue Chip Fund||8.73%||10.02%||12.58%||Rs.60,000||Rs.25.05 Lakhs|
|HDFC Balanced Fund||7.24%||9.08%||10.52%||Rs.60,000||Rs.20.96 Lakhs|
|HDFC Liquid Fund||5.76%||6.5%||7.07%||Rs.60,000||Rs.16.13 Lakhs|
For the above mentioned table we have taken the:
Policy Term- 20 years
Pay Term- 20 years
*In the above mentioned table, the maturity amount is calculated based on fund’s historical 7 year returns as of <date>. The HDFC SIP returns are based on the past data of each fund of the regular plan and does not guarantee the future performance
1. Initiates Disciplined Investments
HDFC SIP Mutual Fund investment provides an opportunity for the investors so that they can plan an annual investment goal in order to achieve their long-term and short-term financial objectives. This is mainly because SIP schemes provide a disciplined approach towards investment where the investors make sure to invest a predetermined amount periodically in the fund. HDFC Mutual Fund SIP is not constricted to the amount of investment but with a disciplined, long-term and periodical investment approach.HDFC SIP Mutual fund results in much better long-term investment option as compared to regular investments plans.
2. The benefit of Rupee Cost Averaging
According to the market fluctuation, the price of HDFC mutual fund that the investors are investing on is likely to change on a daily basis. However, as the amount invested in SIP is fixed, with the help of rupee cost averaging the investors can buy more unit when the market share price is low and lesser units when the market share price is high. For instance, let’s assume that an investor makes a monthly SIP investment of Rs.1000. The price of the unit will be INR 5 during the first installment of SIP, so the investors can purchase 200 fund units. Let’s say the price of the unit increases to Rs.10 during second SIP installment, thus, the investor can purchase 100 units of the same fund. Therefore, with a total of 300 units, the investor can gain profit at the time of redeeming the unit, as the average unit price of the unit will be lower than the new higher price of the units.
3. The flexibility of Investment Tenure
The investors have the flexibility to choose the tenure of investment according to their own requirement and suitability. One can make HDFC SIP investment for a minimum tenure of 6 months and a maximum tenure of their own choice. Moreover, one can also increase or decrease the tenure of SIP investment according to the target of investment or due to any other requirement. Besides, the advantage to change the tenure of HDFC SIP investment, the investor can also log in to their mutual fund investment account and discontinue any ongoing SIP without worrying about the penalties that can occur in case if the investor will have to stop their recurring deposit of bank prematurely.
4. The Flexibility of Investment Amount
One can start investing in HDFC Mutual Fund SIP with a minimum amount of Rs.500 to the maximum amount of their own choice that suits their investment goals. Moreover, one can invest in more than one SIP scheme simultaneously and can also increase or decrease the amount of investment according to one won choice and suitability. The flexibility of investment amount helps investors to invest in HDFC Mutual Fund SIP scheme in an easy and hassle-free way.
5. Offer Benefit of Long-Term Investment
SIP enables the investors the benefit of the power of compounding if one starts investing at an early stage of life. The principal amount along with interest/dividend reinvested per year helps to multiply the money much rapidly and provides a good return on investment over a long period of time. Moreover, in SIP investment the money is majorly invested in equity and equity related instruments which are best for long-term investment. With an objective of long-term investment, the amount invested in Mutual Fund SIP always has an option to overcome the market fluctuations and offer long-term capital gain to the investors.
6. Provides Minimum Effort to Gain High Returns
HDFC Mutual Fund SIP enables the investors to derisk their portfolio of investment as they don’t need to time the market. Investment in SIP takes minimum effort as the predetermined amount is deducted automatically per month from the investors account and is invested in the funds choice of the investors. By contributing a minimum amount towards HDFC Mutual Fund SIP on a regular basis, the investors can gain high return on investment and can achieve the long-term and short-term goals of life. even by investing the mining amount one can end up growing their wealth and creating a financial cushion in a long run.
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